How it works
Direct: yearly capital repayment to bank. Indirect: yearly 3a deposit, pledged to bank, used at retirement. 3a deductible (up to CHF 7,258 in 2026).
Side-by-side numbers
CHF 800,000 mortgage, 2.5% rate, 30% marginal tax, CHF 5,333/year amortisation. Direct: gradual interest savings. Indirect: CHF 1,600/year tax savings × 15 years = CHF 24,000. Net advantage indirect ~CHF 15,000-20,000.
Polia recommendation
Indirect almost always wins at 25%+ marginal tax, 10-year+ horizon. Direct better for psychological security or already-maxed 3a.
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